The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,941
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,277
−HK$1,357/mo
Today · 4.125%
HK$45,634
baseline
▲ 0.50% · 4.625%
HK$48,411
+HK$2,777/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,268/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,772
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,053
−HK$1,300/mo
Today · 4.125%
HK$50,353
baseline
▲ 0.50% · 4.625%
HK$53,007
+HK$2,654/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,706/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$706,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,529
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,132
−HK$1,629/mo
Today · 4.125%
HK$54,761
baseline
▲ 0.50% · 4.625%
HK$58,093
+HK$3,332/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$109,522/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,326
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$58,863
−HK$1,560/mo
Today · 4.125%
HK$60,423
baseline
▲ 0.50% · 4.625%
HK$63,608
+HK$3,185/mo
Deposit HK$7.53M · loan HK$11.30M · min. income ≈ HK$120,846/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,118
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,988
−HK$1,900/mo
Today · 4.125%
HK$63,888
baseline
▲ 0.50% · 4.625%
HK$67,775
+HK$3,887/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,776/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,880
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,674
−HK$1,820/mo
Today · 4.125%
HK$70,494
baseline
▲ 0.50% · 4.625%
HK$74,209
+HK$3,715/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,988/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,294
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,698
−HK$2,443/mo
Today · 4.125%
HK$82,141
baseline
▲ 0.50% · 4.625%
HK$87,139
+HK$4,998/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,282/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,989
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,295
−HK$2,340/mo
Today · 4.125%
HK$90,635
baseline
▲ 0.50% · 4.625%
HK$95,412
+HK$4,777/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,270/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,190 · Scale 2, in force from 26 Feb 2026)